401(k) Retirement Plans

A 401(k) plan is a low-cost means of providing visible and appreciated retirement benefits to your employees. It is one of the least restrictive retirement investment programs for companies today.

The 401(k) plan provides a number of advantages to both employers and employees including:

  • Pre-tax investments

    A 401(k) plan presents a wonderful opportunity for your employees to actively participate in investing for their retirement on a pre-tax basis. Providing a company-sponsored 401(k) allows your employees' money to grow and compound tax-deferred until withdrawn, typically at retirement.
  • Flexibility

    A 401(k) plan offers your employees a great deal of flexibility and choice – including whether or not to defer, how much to defer, where to invest, and when to change the deferral amount of investments. A 401(k) plan can provide benefits to meet very different employee objectives, and as an employee's circumstances change, different choices can be made to adjust.
  • Employee incentive

    The 401(k) can help you address your employees' pressures for additional cash compensation without significant added cost. Providing a company matching contribution may help increase employee participation in your 401(k), and encourage pre-tax employee investments.
  • Company control

    As an employer, you can establish a vesting schedule and limit eligibility for your 401(k) plan.

For more information on establishing a 401(k) plan, visit wellsfargo.com.

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